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Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under

If treasuries “fail” we have a different class of problem.



>Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under

???

30 Day SEC Yield as of Aug 24, 2026: 3.61%

12m Trailing Yield as of Aug 24, 2026: 3.74%

https://www.ishares.com/us/products/314116/ishares-0-3-month...

1.39% might not seem like a lot, but that's off by more than a quarter.


Rates are around 3.5% right now before taxes.


There's still many high interest savings accounts that are at least 4%


And you still need at least 5% to do what OP is suggesting.




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